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The Truth About Annuities: Types of Annuities & How They Work | Pt. 1
In the first part of a three-part miniseries about annuities, Matt breaks down the different types of annuities and how they work. Matt frequently works with new clients who have annuities, and are unsure how exactly they work or how they fit into their financial plan (if they fit in at all). Unfortunately for many, annuities not only aren't a good fit for their circumstances, they can also carry high costs and heavy penalties for exiting early. In this series, Matt will teach you the basics of how annuities work, when and where they can fit into a portfolio, and important pitfalls to watch out for.
Follow Matt Murphy
Web: https://www.benetaswealth.com
Newsletter: http://eepurl.com/jb7SNc
LinkedIn: https://www.linkedin.com/in/mattmurphycfp
Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.
Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions.
Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Variable annuities are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained from a financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Case studies and examples throughout are hypothetical and for illustrative purposes only. No specific investments were used. Actual results will vary.
Compound illustrations are not predictions of investment performance, and investment principal and interest are not guaranteed and are subject to market fluctuation.
Exchange-traded funds (ETFs) are subject to market volatility, including the risks of their underlying investments. They are not individually redeemable from the fund and are bought and sold at the current market price, which may be above or below their net asset value.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency; although the fund seeks to preserve the value of the investment at $1 per share, it is possible to lose money. Nonbank deposit investments are not FDIC- or NCUA-insured, are not guaranteed by the bank/financial institution, and are subject to risk, including loss of principal invested.
This material is intended for informational/educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. Please contact your financial professional for more information specific to your situation.
Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.
Commonwealth Financial Network® does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.
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By Matt MurphyIn the first part of a three-part miniseries about annuities, Matt breaks down the different types of annuities and how they work. Matt frequently works with new clients who have annuities, and are unsure how exactly they work or how they fit into their financial plan (if they fit in at all). Unfortunately for many, annuities not only aren't a good fit for their circumstances, they can also carry high costs and heavy penalties for exiting early. In this series, Matt will teach you the basics of how annuities work, when and where they can fit into a portfolio, and important pitfalls to watch out for.
Follow Matt Murphy
Web: https://www.benetaswealth.com
Newsletter: http://eepurl.com/jb7SNc
LinkedIn: https://www.linkedin.com/in/mattmurphycfp
Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.
Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions.
Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Variable annuities are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained from a financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Case studies and examples throughout are hypothetical and for illustrative purposes only. No specific investments were used. Actual results will vary.
Compound illustrations are not predictions of investment performance, and investment principal and interest are not guaranteed and are subject to market fluctuation.
Exchange-traded funds (ETFs) are subject to market volatility, including the risks of their underlying investments. They are not individually redeemable from the fund and are bought and sold at the current market price, which may be above or below their net asset value.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency; although the fund seeks to preserve the value of the investment at $1 per share, it is possible to lose money. Nonbank deposit investments are not FDIC- or NCUA-insured, are not guaranteed by the bank/financial institution, and are subject to risk, including loss of principal invested.
This material is intended for informational/educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. Please contact your financial professional for more information specific to your situation.
Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.
Commonwealth Financial Network® does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.